Verve Collaborative Health (“Verve”) is an independent, third-party entity. Verve does not dictate nor interfere in care provided by your independent provider's practice. Your independent provider is responsible for submitting their own bills and managing their own schedule and patients. If you are unhappy with your care, you may request to be referred to a different provider. Unlike other organizations, providers have contracted Verve to handle certain day-to-day services, including reception, office space, IT Support, scheduling, billing support, etc. Your payments and insurance payments directly affect your provider. Failure to pay or show up for an appointment directly affects their ability to practice and their income. Not all providers enroll in all of Verve's services.

Acknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

For Consumers with Health Insurance Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

What to Know About Emergency Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

In-Network and Out-of-Network Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

For Medicare Beneficiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

For Consumers Who Don’t Have Health Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

About Healthcare Quality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Improving Price Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

For More Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 C